Application for Coverage

Transcription

1 Application for Coverage Benefit Summary and Premium Rates are available on line at If you have questions or need assistance completing this application, please contact REFORM ( ) or us at PO Box Albuquerque, NM APPLICANT INFORMATON Complete All Sections in Ink Last name First name MI Age Birth Date (MM/DD/YYYY) / /_ Residence Address (Physical address required) City State Mailing Address County NM Social Security Number - - Zip Billing Address (if different than mailing) Cell Phone address Gender Home Phone Work Phone M F I am a resident of the State of New Mexico YES NO I am a Citizen or National of the United States or legally present in the United States YES NO 2. REQUESTED COVERAGE START DATE AND DEDUCTIBLE OPTIONS 2.a What month are you are requesting your New Mexico Medical Insurance Pool (Pool ) insurance coverage to begin? Coverage is effective the 1st of the month following receipt of a complete application. You will be notified of your coverage start date, which may be different from the date you request. 2.b Please select a deductible amount: $500 $1,000 $2,000 $5,000 - Office Use Only - Effective Date: Auto-pay form attached? Y N CoCC required? Y N Meets all Eligibility Criteria? Appeal? Date Sent to ED Office YIA 8769 Y N Y N / / Ck# Amt $ Group # Received Date Age Premium $ Age Premium $ LIPP % LIPP Premium $ LIPP % LIPP Premium $ Notes: AC 01/16 1

2 3. HOUSEHOLD INFORMATION List all relatives living in your household (use a separate sheet if needed) Name (Last, First, MI) Gender Birth Date Relationship Employer M F / / M F / / M F / / M F / / M F / / M F / / Please refer to current income guidelines on the Low-Income application to determine if you qualify for a reduced premium. 4. MEDICAL CONDITIONS (OPTIONAL) List all prior health conditions: Date of diagnosis: 5. PROOF OF ELIGIBILITY See the last page for acceptable documentation. To help us determine if you meet eligibility criteria for either the Pool s guidelines or the guidelines established in the Health Insurance Portability and Accountability Act (HIPAA), please answer all questions in 5.1 and 5.2 : 5.1 General Eligibility Yes No I applied for comprehensive health insurance and received a notice of rejection from an insurance carrier or the New Mexico Health Insurance Exchange (NMHIX). My premium rate for in-force or applied-for individual comprehensive health insurance coverage exceeds the Qualifying Rate (posted on of the Pool s deductible plan nearest my current deductible for my age and sex. 2

3 5. PROOF OF ELIGIBILITY See the last page for acceptable documentation (continued) 5.2 Eligibility under Portability Criteria (HIPAA) To be eligible under Health Insurance Portability & Accountability Act (HIPAA) criteria, you must answer yes to the first three (3) questions and provide certificate(s) of creditable coverage: Yes No I have had a minimum of 18 months of continuous coverage with no single gap of more than 95 days, the last of which was group coverage through an employer or trade union group health plan (may or may not include COBRA), and I am applying to the Pool within 95 days of my prior coverage ending. DATES OF PRIOR COVERAGE:. No COBRA was available through my previous plan or offered in the area I now live. 5.3 General Exclusions (please check yes or no for each question) Yes No I am 65 or older and eligible for Medicare. I am eligible for Medicaid. I am eligible for coverage offered by an insurance carrier or the New Mexico Health Insurance Exchange (NMHIX). I have or am eligible for an employment-related group health plan or Tricare, either as myself or as a family member. I now have individual comprehensive health coverage. (If you have limited coverage, you may still qualify.) I voluntarily dropped Pool coverage within the last 12 months. My last date of coverage with the Pool was. My most recent health insurance coverage was terminated due to non-payment of premiums or fraud. Please see the application checklist on the last page of this application for documentation to be included with this application. 6. AFFIRMATION, UNDERSTANDING, AND DISCLOSURE AUTHORIZATION I understand that I am applying to the New Mexico Medical Insurance Pool for an individual policy of medical, surgical, prescription, and hospital insurance. I also understand that my coverage will become effective on the first of the month following acceptance and approval of the application by the Pool, unless I am eligible for HIPAA coverage or continuation. If eligible for HIPAA coverage or continuation, I understand that my coverage will become effective the date that my prior group coverage terminated. I will be responsible for paying premiums from my effective date forward. I affirm that the foregoing answers on this application are complete and correct. I understand that no coverage will be in effect until this application has been accepted and approved, and the full initial premium has been paid. Applicant: Initial here indicating that you have read and understand the above paragraph. (A parent/legal guardian/personal representative must initial if the applicant is under 18 years of age or legally incompetent.) 3

4 6. AFFIRMATION, UNDERSTANDING, AND DISCLOSURE AUTHORIZATION (continued) INDIVIDUAL AUTHORIZATION FOR USE AND DISCLOSURE OF PROTECTED HEALTH INFORMATION With my signature on this application I authorize any physician, healthcare provider, hospital, insurance or reinsurance company, or other insurance information exchange to disclose to the New Mexico Medical Insurance Pool (Pool), or its representatives, my health information (including alcohol, chemical dependency, mental treatment, genetic testing, or HIV treatment). We acknowledge and understand that this information will be used only to: 1) determine eligibility for coverage; 2) pre-authorize or process claims for benefits; 3) perform case management (including concurrent review) or quality assurance reviews, or 4) conduct an audit. The Pool shall not release the medical record information it obtains to anyone else except as allowed by state and federal law. Medical record information may include claims records, correspondence, medical records, billing statements, diagnostic imaging reports, laboratory reports, dental records, or hospital records (including nursing records and progress notes). If I choose not to sign this authorization, the Pool may refuse to enroll me in a Pool health plan or pay future claims that I may incur if I obtain Pool insurance coverage. This authorization is valid for two years from today, or until I terminate coverage. I may cancel this authorization at any time by sending a written request to the Pool. My cancellation of this authorization will not affect any action the Pool took before it received my request. If I do not revoke this authorization, it will automatically expire upon termination of my coverage with the Pool. Federal law requires the Pool to tell me that if the party to whom the Pool discloses my personal information shares it with anyone else some state and federal laws may no longer protect it. Federal law prohibits re-disclosure of this information without specified written authorization. This authorization takes effect on the date I sign below and remains in effect for the lifetime of the Pool coverage or the duration of any claim, whichever is longer. For purposes of obtaining health information from a provider, a photocopy of this authorization is as valid as the original. Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to civil fines and criminal penalties. Signature of applicant (or parent/legal guardian/personal representative if applicant is under 18 years of age or legally incompetent): Date Personal representative name (please print) If signed by a personal representative of the applicant, please complete the following: Relationship to applicant (attach legal document if other than parent) 4

5 AGENT, STATE AGENCY, OR FOUNDATION ASSISTANCE Insurance agents in your community are able to assist you in completing this application at no cost to you. I certify by my signature that follows that I have explained eligibility provisions to the applicant and assure that the application is complete and accurate. I have made no statements of benefits, conditions, limitations, or exclusions of the agreement except through written material furnished by the Pool. I have informed the applicant that the effective date of coverage is not guaranteed, and if approved, is determined by the New Mexico Medical Insurance Pool. Agent/Broker signature certifies that the agent has substantially assisted with the completion of this application and has conducted a final review prior to submission to ensure that the application is complete and accurate. If the application is not complete and accurate, the Pool may choose not to pay the agent fee. Agent Name Tax ID Number Agency Name New Mexico License Number Street Address City State Zip Phone Fax Agent Signature Date If enrolling through a State Agency or a Foundation, please complete: State Agency/Foundation Name Contact Person Address City State Zip Phone Fax Submit To: New Mexico Medical Insurance Pool P.O. Box Albuquerque, NM

6 APPLICATION CHECKLIST BEFORE MAILING YOUR APPLICATION, PLEASE COMPLETE THIS CHECKLIST. I have completed every line in Section 1. I have chosen a deductible amount and given a preferred month for my insurance to start in Section 2. I have completely filled out Section 3 giving the information for all people residing at my permanent residence. Section 5 Proof of Eligibility Documentation Section 5.1 I have included at least one of the following: or Rejection notice from an insurance carrier or the New Mexico Health Insurance Exchange (NMHIX) for insurance coverage comparable to that offered by the Pool Quote for comparable insurance from an insurance carrier or the New Mexico Health Insurance Exchange (NMHIX) that exceeds the Qualifying Rate of the Pool Section 5.2 HIPAA Proof of Eligibility Documentation Note: If qualifying HIPPA, please ensure that there is proof of 18 months of coverage Certificate(s) of Creditable Coverage from your prior insurance carrier(s) - Individual, Group, COBRA, Medicaid, SCI, etc. Are You Ready to Submit Your Application? Note: Only Originals will be Accepted No Copies or Faxes Yes No Is the application signed? Have you filled out the application checklist (above)? Have you attached all the required documentation? (see application checklist) Have you included a check for the first month s premium payable to BCBSNM? (Premium rates are posted on 6